G.N. Bankshares, Inc., Girard, Kansas -- waiver of application to acquire Valley State Investments, Inc., Lamar, Colorado, and Valley State Bank in connection with the merger of Valley State Bank and The Girard National Bank, Girard, Kansas.
-Granted, May 24, 2006

Pedcor Capital, LLC, Carmel, Indiana -- to become a bank holding company and to acquire Pedcor Bancorp and International City Bank, National Association, Long Beach, California.
-Returned, May 23, 2006

Kansas City

Quay Bank Corp., Albuquerque, New Mexico -- to become a bank holding company and to acquire High Desert State Bank.
-Withdrawn, May 24, 2006

Competitive Factors Reports

Kansas City

ACB Bank, Cherokee, Oklahoma -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Waukomis branch of First State Bank, Waukomis.
-Submitted, May 22, 2006

Atlanta

American United Bank, Lawrenceville, Georgia -- report on competitive factors of the proposed merger with AUB Interim Corporation.
-Submitted, May 22, 2006

Kansas City

The Bank of Beaver City, Beaver, Oklahoma -- report on competitive factors of the proposed merger with The State Bank, Winfield, Kansas.
-Submitted, May 24, 2006